Restore Your Credit with 720CreditScore.com

Our lawyers have been handling consumer bankruptcy cases for more than 20 years. Among the thousands of cases we have filed for the people of New Jersey and Pennsylvania, we’ve noticed a universal pattern: the fear of being burdened with permanent bad credit. If you’re stuck with bad credit for the rest of your life, how can you hope to take out a loan or purchase a car or a new home?

Fortunately, the idea that bankruptcy destroys good credit forever is a stubborn myth. In reality, you can rebuild good credit, even if you have a bankruptcy in your past. Many people who have gone through bankruptcy go on to rebuild their credit in the future, especially with guidance from our experienced lawyers and help from 720 Credit Score’s programs.

Call Young, Marr, Mallis & Associates at (215) 701-6519 in Pennsylvania or (609) 755-3115 for a free case review from our bankruptcy lawyers.

How Can You Restore Your Credit with 720 Credit Score?

Restoring your credit after bankruptcy may be faster and easier than you thought with help from our lawyers and 720 Credit Score’s different programs.

Credit Education Course

The first path toward restoring your credit score with help from our bankruptcy lawyers and 720 Credit Score is enrolling in the “7 Steps to a 720 Credit Score” education course. This self-directed course teaches you the exact steps to reach a much higher score in as little as 18 months, even if you have just exited bankruptcy or gone through a mortgage foreclosure. Learn money management and credit card use tips that can make all the difference.

Credit Rebuilder Program

The “Credit Rebuilder Program” includes access to the 7 Steps to a 720 Credit Score in addition to other premium benefits. When you’re enrolled, on-time payments are reported to the three major credit bureaus, Experian, Transunion, and Equifax, as installment lines of credit, increasing your credit score over time. There are other benefits of the Credit Rebuilder Program, which offers a more comprehensive approach to improving one’s credit score after a bankruptcy or foreclosure.

What Should You Do When Rebuilding Your Credit After Bankruptcy?

There are several key points you need to be mindful of after receiving a bankruptcy discharge when trying to restore your good credit, all of which our lawyers can explain to you at the end of your bankruptcy case.

Take Immediate Action

You need to take immediate action to start rebuilding your credit score after a bankruptcy. If you’re timely, proactive, and consistent, you may be able to transform your credit score in as little as 12 to 24 months after your bankruptcy has been discharged. Waiting could have negative effects, so plan to start rebuilding your credit as soon as possible.

Continue to Use Credit Cards

Also, you must continue to use credit cards. We understand that you may be wary of getting yourself into another bad financial situation, but you must resist the temptation to avoid using credit again. While doing so may seem like a smart decision, it always turns out to be financially harmful.

As time passes, instead of having poor credit, you will simply end up with no credit. Unfortunately, having no credit is just as bad as having poor credit.

Get a Secured Credit Card

If you want to restore your credit, you need to open a new credit card and learn to make credit card purchases and repayments responsibly. You may be more likely to get approved for a secured credit card soon after bankruptcy, which requires a deposit that sets the monthly credit limit. The deposit is used as collateral in case you miss credit card payments.

Make Timely Payments

Pay all new credit cards on time and in full. This is one of the most significant contributors to your credit score, especially when you are actively building it. Avoid the high interest rates that typically come with credit cards for recent bankruptcy filers and prioritize making timely payments each month.

Monitor Credit Report

You can also monitor your credit report after bankruptcy to ensure it is updated to reflect settled debts and those discharged during bankruptcy.

FAQs About How We Restore Your Credit with 720 Credit Score

How Long Does It Take to Restore Your Credit with 720 Credit Score?

How long does it take? Many people start to see changes within just 24 months of declaring bankruptcy.

How Much Does It Cost to Restore Your Credit with 720 Credit Score?

Normally, the 720 Credit Score credit education program costs $1,000 for enrollment. However, the legal team at Young, Marr, Mallis & Associates has decided to make the 720 Credit Score program available to every single one of our bankruptcy clients at a special discounted price.

Is 720 Credit Score the Right Choice to Restore Your Credit?

Since our bankruptcy clients are understandably concerned about improving their damaged credit, we’ve compared numerous products and organizations to find the best credit education program available. Our conclusion? After thorough testing, we learned that people who have gone through 720 Credit Score’s credit program (7 Steps to a 720 Credit Score) can transform their credit scores in relatively short periods.

Do You Need a Lawyer’s Help to Restore Your Credit with 720 Credit Score?

If you’re interested in gaining access to this effective credit-building program, or if you’d simply like to talk about how a bankruptcy lawyer can help, call Young, Marr, Mallis & Associates to schedule your free legal consultation. Our lawyers can help you use this program to the fullest extent after bankruptcy.

Call Us for Help with Your Bankruptcy Case

For help with your case from our bankruptcy lawyers, call Young, Marr, Mallis & Associates at (215) 701-6519 in Pennsylvania or (609) 755-3115 in New Jersey.